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Long-term care is not just nursing homes - it's a wide array of health and personal care for those who are elderly or chronically ill, and can range from part-time home health assistance to nursing homes.
The cost of these services can vary widely as well. It is estimated that 60 percent of people who turn age 65 will need long-term care at some point in the future, and 20 will spend two year or more in a nursing home.
Below is a list of resources that will help you evaluate long-term care insurance.
Long Term Care Planning: Colorado Options
The basics on long-term care insurance, Colorado's Long-Term Care Partnership Program, and a list of insurance companies that offer long-term care insurance in Colorado.
Long-Term Care Frequently Asked Questions
Basic questions and answers to help you better understand the issues surrounding long-term care policy premium increases.
Related: How does the Division of Insurance review health insurance rate requests?
The Long-Term Care Planning Tool:
Offered by Medicare.gov, this tool will guide you through a series of questions designed to help you understand what kinds of services are available, how much you could spend on long-term care and how to finance long-term care costs.
Long-Term Care Ombudsmen: for support regarding resident rights and care, locate the Long Term Care Ombudsman program in your area.
Nursing Home compare: information on how nursing homes in your area compare.
About the Colorado Long-Term Care (LTC) Partnership Program: The Colorado Long-Term Care (LTC) Partnership is an alliance between the private insurance industry and the state government to help Colorado residents plan for future long-term needs without depleting all of their assets to pay for care. It is designed to encourage and reward Colorado residents for planning ahead for future LTC needs. The website has a listing of current insurers offering Colorado Long-Term Care Partnership Policies, producers who have completed the 16 hour long term care training requirement, continuing education providers who are teaching the 16 hour long term care training course and a host of helpful information.